WO2000075749A3 - Internet payment system - Google Patents

Internet payment system Download PDF

Info

Publication number
WO2000075749A3
WO2000075749A3 PCT/US2000/015827 US0015827W WO0075749A3 WO 2000075749 A3 WO2000075749 A3 WO 2000075749A3 US 0015827 W US0015827 W US 0015827W WO 0075749 A3 WO0075749 A3 WO 0075749A3
Authority
WO
WIPO (PCT)
Prior art keywords
internet
credit card
consumer
providing
card data
Prior art date
Application number
PCT/US2000/015827
Other languages
French (fr)
Other versions
WO2000075749A2 (en
Inventor
Dennis R Floyd
Timothy L Heaton
Brian S Anderson
Stanley W Anderson
Original Assignee
Intelishield Com Inc
Dennis R Floyd
Timothy L Heaton
Brian S Anderson
Stanley W Anderson
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Intelishield Com Inc, Dennis R Floyd, Timothy L Heaton, Brian S Anderson, Stanley W Anderson filed Critical Intelishield Com Inc
Priority to AU54755/00A priority Critical patent/AU5475500A/en
Publication of WO2000075749A2 publication Critical patent/WO2000075749A2/en
Publication of WO2000075749A3 publication Critical patent/WO2000075749A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Abstract

The present invention is a system and method for providing electronic commerce without providing a consumer's (102) credit card data over the Internet, or any other public network. Consumers (102) have a fear of providing their credit card data over the Internet. The present invention allows a consumer to make a purchase with their credit card without providing their credit card data over the Internet. The present invention provides consumers (102) with a surrogate card number to make Internet purchases and the consumer (102) personally authorizes their purchases while they are on-line. The consumer's actual credit card data is never transmitted over the Internet. The on-line affirmation of each purchase through the third party entity that provides the service described by this invention leads to a reduction of fraud.
PCT/US2000/015827 1999-06-09 2000-06-08 Internet payment system WO2000075749A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU54755/00A AU5475500A (en) 1999-06-09 2000-06-08 Internet payment system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US32842299A 1999-06-09 1999-06-09
US09/328,422 1999-06-09

Publications (2)

Publication Number Publication Date
WO2000075749A2 WO2000075749A2 (en) 2000-12-14
WO2000075749A3 true WO2000075749A3 (en) 2001-02-01

Family

ID=23280917

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2000/015827 WO2000075749A2 (en) 1999-06-09 2000-06-08 Internet payment system

Country Status (2)

Country Link
AU (1) AU5475500A (en)
WO (1) WO2000075749A2 (en)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6895391B1 (en) 1999-11-09 2005-05-17 Arcot Systems, Inc. Method and system for secure authenticated payment on a computer network
AUPQ751700A0 (en) * 2000-05-15 2000-06-08 Attwells, David Gordon An improved method of purchasing or hiring products on the internet
AU774531B2 (en) * 2000-05-15 2004-07-01 David Gordon Attwells An improved method of purchasing or hiring products on the internet
US6978380B1 (en) 2000-06-06 2005-12-20 Commerciant, L.P. System and method for secure authentication of a subscriber of network services
US20040078276A1 (en) * 2000-12-22 2004-04-22 Kotaro Shimogori System for electronic merchandising and shopping
GB2370668A (en) * 2000-12-27 2002-07-03 Mark Christie Notification system for card transactions
WO2002058017A1 (en) * 2001-01-19 2002-07-25 Haissam Malas Global payment method, and payment system and payment card used therewith
US7669212B2 (en) * 2001-02-02 2010-02-23 Opentv, Inc. Service platform suite management system
FR2837643A1 (en) * 2002-03-25 2003-09-26 France Telecom Credit card transaction securing method in which transactions between a cardholder and supplier over a telecommunications network are conducted via a third party intermediary
GB2518277B (en) * 2013-07-15 2017-05-03 Mastercard International Inc Improvements relating to secure payment transactions
GB2544998A (en) * 2015-12-02 2017-06-07 Eckoh Uk Ltd Tokenisation in cardholder - not - present transactions
US20200193415A1 (en) * 2018-12-14 2020-06-18 Jpmorgan Chase Bank, N.A. Systems and methods for using integrated pay-on-demand virtual cards

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5727163A (en) * 1995-03-30 1998-03-10 Amazon.Com, Inc. Secure method for communicating credit card data when placing an order on a non-secure network
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
US5825881A (en) * 1996-06-28 1998-10-20 Allsoft Distributing Inc. Public network merchandising system
US5890137A (en) * 1995-12-15 1999-03-30 Kabushiki Kaisha N.K. Kikaku On-line shopping system and the method of payment settlement
US5903721A (en) * 1997-03-13 1999-05-11 cha|Technologies Services, Inc. Method and system for secure online transaction processing
US5903652A (en) * 1996-11-25 1999-05-11 Microsoft Corporation System and apparatus for monitoring secure information in a computer network
US6023682A (en) * 1997-10-21 2000-02-08 At&T Corporation Method and apparatus for credit card purchase authorization utilizing a comparison of a purchase token with test information

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5727163A (en) * 1995-03-30 1998-03-10 Amazon.Com, Inc. Secure method for communicating credit card data when placing an order on a non-secure network
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
US5890137A (en) * 1995-12-15 1999-03-30 Kabushiki Kaisha N.K. Kikaku On-line shopping system and the method of payment settlement
US5825881A (en) * 1996-06-28 1998-10-20 Allsoft Distributing Inc. Public network merchandising system
US5903652A (en) * 1996-11-25 1999-05-11 Microsoft Corporation System and apparatus for monitoring secure information in a computer network
US5903721A (en) * 1997-03-13 1999-05-11 cha|Technologies Services, Inc. Method and system for secure online transaction processing
US6023682A (en) * 1997-10-21 2000-02-08 At&T Corporation Method and apparatus for credit card purchase authorization utilizing a comparison of a purchase token with test information

Also Published As

Publication number Publication date
WO2000075749A2 (en) 2000-12-14
AU5475500A (en) 2000-12-28

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